A rapidly deployable SEPA Gateway for easy SEPA access

Paysolut's SEPA Gateway module gives you access to SEPA payments via simple API integrations, plus you receive expert support throughout the process.

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The easy way to access SEPA payments for cross border payments in Europe

Paysolut's SEPA Gateway module provides your bank, fintech or PSP with APIs that give quick and direct access to SEPA schemas via the Bank of Lithuania’s CENTROlink system. Whatever type of financial institution license you have, we provide you with both the technology and expertise to add SEPA credit transfers, SEPA Instant, and SEPA Direct Debit to your offering. Most importantly, we leverage our extensive experience to guide you through the entire process of integrating SEPA payments into your own core system.

Technology, know-how and assistance

Simple and quick integration to your current system

Gain access to SEPA payments by integrating Paysolut as a separate module to your current infrastructure via RESTful API

Know-how and assistance for faster implementation

Use our know-how of testing the Bank of Lithuania’s payment system, and full assistance in dealing with the central bank to pass the required tests and implement SEPA payments faster.

Access all SEPA schemes including Instant and Direct Debit

There are three different schemes of SEPA payment available: SEPA Credit Transfers (the standard form of SEPA payment), SEPA Instant Credit Transfers (also called SEPA Instant Payment), and SEPA Direct Debit.

Once you have your SEPA Gateway set up with Paysolut, you can add SEPA Instant and SEPA Direct Debit to your offering.

SEPA Instant

Unlike standard SEPA Credit Transfers, SEPA Instant Credit Transfers allow for much faster transactions with virtually no delay:

  • SEPA Instant Transfers are sent and received within a few seconds,
  • SEPA Instant Transfers are processed any time of day, including weekends and holidays.

SEPA Instant is hugely popular with merchants and end users alike. And with Paysolut, adding it to your offering is simple and quick, as this case study on how Sumup added SEPA Instant to its infrastructure shows.

Discover SEPA Instant

SEPA Direct Debit

SEPA Direct Debit offers an effective way to process one-off and recurring cross border payments.

  • SEPA Direct Debit is available for receiving payments from customers and for B2B payments,
  • SEPA Direct Debit gives merchants and businesses more control over their cash flow because they can initiate payments.

Adding SEPA Direct Debit to your architecture ensures you give your clients the widest range of options and the full flexibility that SEPA has to offer.

Discover SEPA Direct Debit

Adding the Paysolut SEPA Gateway module in 4 simple steps

In 4 steps you can have SEPA payments added to your infrastructure. And the experienced Paysolut team is there to support throughout the process. Here's how it works:

  1. You apply to become a CENTROlink participant. We will navigate you through the application process.
  2. CENTROlink grants you sandbox access.
  3. With our help, you integrate your system to Paysolut. We will also guide you through all the CENTROlink certification.
  4. We set up your production infrastructure, including SEPA Instant and Direct Debit if you have chosen to have these.

And that's it. You'll go live on the date agreed with CENTROlink and your clients now enjoy the full benefits of SEPA cross border payments.

Why choose Paysolut for your SEPA payments?

Fully automated SEPA payments process

Paysolut's SEPA Gateway module automatically processes all SEPA messages. Forget manual operations through partner banks' interfaces.

Fewer rejected payments

Because the whole process is automated, there will be no rejected and delayed payments resulting from human error.

Low-cost with no hidden fees

You will enjoy significant cost savings because our CENTROlink rates are significantly lower than those charged by any commercial bank.

Payment monitoring and notifications

Monitor payments on a convenient dashboard and receive system-to-system notifications to optimize integration.

SEPA integration via RESTful API

Paysolut's SEPA Gateway module provides access to SEPA payments via the Central Bank of Lithuania’s CENTROlink payment system. The module exchanges data with your existing system via RESTful API and converts it to ISO 20022 XMLs. Our technology enables the processing of all SEPA messages required to pass CENTROlink acceptance testing.

Simple APIs to cover mandatory SEPA messages

There are a range of mandatory actions SEPA requires. Our SEPA Gateway includes a range of simple APIs to cover these messages. They include:

+ pacs.008 FI To FI Customer Credit Transfer
+ pacs.002 FI To FI Payment Status Report
+ camt.056 FI To FI Payment Cancellation Request
+ pacs.004 Payment Return
+ camt.029(v3) Resolution Of Investigation
+ pacs.028 (cancellation status request)
+ camt.054 Bank To Customer Debit Credit Notification
+ camt.027 Claim non receipt message
+ camt.087 Request to modify payment
+ camt.029(v8) Result of Investigation message

How our SEPA Gateway solution architecture is set up

  1. Your system provides data for building SEPA messages by calling our RESTful API. You also use it to get the payments processing results, incoming payments, and other data.
  2. Our system then builds ISO 20022 messages based on your data and sends it to AWS CloudHSM. Here the CENTROlink certificate that the Bank of Lithuania issued your institution is used for signing the messages.
  3. The signed messages are received from AWS CloudHSM, so that they can be sent to and accepted by CENTROlink.
  4. Our API server then sends the signed messages to the CENTROlink servers and pulls incoming payments, status messages, etc. You can immediately see the results on the Paysolut dashboard and your own system.
  5. The message broker connected to our API server ensures your existing system receives instant notifications about any changes in the status of a transaction so that you can optimize the data flow between the servers (an only update when it is actually needed).

Ready to add Paysolut's cost-effective and quick-to-deploy SEPA Gateway module to your architecture?

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Looking for an advanced payments core with SEPA payments already built-in?

The SEPA Gateway module fits seamlessly with any existing payments core. But if you are in the process of building (or rebuilding) your core, why not simply acquire a core that already has SEPA capabilities built in.

The Paysolut Core has everything you need to launch and grow your financial solutions in one place - including SEPA access.

From white label mobile and web applications to streamlined and certified back-end systems you can trust – it’s all here in our mobile banking platform.

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